PERSONAL LINES MAIN EXAMINATION 2026/2027
QUESTIONS AND SOLUTIONS RATED A+
✔✔In california, if a vehicle is not insured for collision, uninsured motorists property
damage coverage pays up to $3,500 of the actual cash of the damage to the insured
vehicle. True or False? - ✔✔True
✔✔If an insured has an auto policy that provides for physical damage, hits a tree while
driving a borrowed car, the damage would probably be covered under the _________
part of coverage for damage to your auto. - ✔✔Collision
✔✔The upset or overturn of a vehicle is covered under _________. - ✔✔Collision
✔✔Damage to a covered vehicle caused by earth movement is payable under collision
coverage. True or False? - ✔✔False
✔✔Flood is a cause of loss covered by other than collision (comprehensive). True or
False? - ✔✔True
✔✔Deductibles in auto insurance tend to _____ premiums. - ✔✔Lower
✔✔If an insured does not have collision coverage on an existing vehicle, the collision
coverages on a newly acquired auto begins on the date the insured becomes the
owner, provided the insured requests the coverage within ___ days of becoming the
owner. - ✔✔4
✔✔The personal auto policy will pay up to $___ per day up to $____ for transportation
expenses incurred because of a collision loss as long as collision coverage is provided
in the declaration. - ✔✔$20 $600
✔✔Collision damage that occurs when a covered auto is being used in a share- the-
expense car pool would be covered. True or False? - ✔✔True
✔✔Part D of the personal auto policy will pay for loss of tapes, records, and discs used
with electronic equipment designed for the reproduction of sound. True or False? -
✔✔False
✔✔The standard basis of valuation under part D coverage for damage to your auto, is
the lesser of the ______ ____ ____ of the vehicle, or the amount necessary to repair, or
replace the vehicle. - ✔✔Actual Cash Value
✔✔After an accident, the insured is required to obtain a complete physical examination
at the insured's expense. True or False? - ✔✔False
, ✔✔When an insured is involved with a hit and run driver, he / she must promptly notify
the ______. - ✔✔Police
✔✔A non endorsed personal auto policy provides coverage in mexico. True or False? -
✔✔False
✔✔In california an auto insurer may cancel the policy by giving at least ____ days
notice for nonpayment of premium, and at least ____ days in all other cases. - ✔✔10 20
✔✔_________ coverage applies when the extended non owned coverage for a named
individual is used. - ✔✔Liability
✔✔The towing and labor endorsement limit applies per __________. - ✔✔Occurrence
✔✔The miscellaneous type vehicle endorsement is not intended to be used for
snowmobiles. True or False? - ✔✔True
✔✔The miscellaneous type vehicle endorsement amends the definition of covered auto
to include recreational type vehicles such as motor homes. True or False? - ✔✔True
✔✔The named non owner endorsement may be used to provide liabilty, _______
________, and _________ motorists coverages. - ✔✔Medical Payments and Uninsured
✔✔The type of insurance offered by most auto dealerships and lessors that insures for
the difference between what the insured owes on the vehicle and what the insurer says
the vehicles actual cash value is in the event of a loss is known as ___ insurance. -
✔✔GAP
✔✔Minimum financial responsibility requirements in california for auto insurance is
$15,000 per person for BI, $30,000 per accident for BI, and $_____ per accident for PD.
- ✔✔$5,000
✔✔Any broker-agent licensed to transact auto insurance in california and certified by
the manager, may submit applications to the california automobile assigned risk plan.
True or False? - ✔✔True
✔✔Any person who qualifies for a good driver discount policy will be charged at a rate
at least ____% below the rate an insured would otherwise be charged for the same
coverage. - ✔✔20
QUESTIONS AND SOLUTIONS RATED A+
✔✔In california, if a vehicle is not insured for collision, uninsured motorists property
damage coverage pays up to $3,500 of the actual cash of the damage to the insured
vehicle. True or False? - ✔✔True
✔✔If an insured has an auto policy that provides for physical damage, hits a tree while
driving a borrowed car, the damage would probably be covered under the _________
part of coverage for damage to your auto. - ✔✔Collision
✔✔The upset or overturn of a vehicle is covered under _________. - ✔✔Collision
✔✔Damage to a covered vehicle caused by earth movement is payable under collision
coverage. True or False? - ✔✔False
✔✔Flood is a cause of loss covered by other than collision (comprehensive). True or
False? - ✔✔True
✔✔Deductibles in auto insurance tend to _____ premiums. - ✔✔Lower
✔✔If an insured does not have collision coverage on an existing vehicle, the collision
coverages on a newly acquired auto begins on the date the insured becomes the
owner, provided the insured requests the coverage within ___ days of becoming the
owner. - ✔✔4
✔✔The personal auto policy will pay up to $___ per day up to $____ for transportation
expenses incurred because of a collision loss as long as collision coverage is provided
in the declaration. - ✔✔$20 $600
✔✔Collision damage that occurs when a covered auto is being used in a share- the-
expense car pool would be covered. True or False? - ✔✔True
✔✔Part D of the personal auto policy will pay for loss of tapes, records, and discs used
with electronic equipment designed for the reproduction of sound. True or False? -
✔✔False
✔✔The standard basis of valuation under part D coverage for damage to your auto, is
the lesser of the ______ ____ ____ of the vehicle, or the amount necessary to repair, or
replace the vehicle. - ✔✔Actual Cash Value
✔✔After an accident, the insured is required to obtain a complete physical examination
at the insured's expense. True or False? - ✔✔False
, ✔✔When an insured is involved with a hit and run driver, he / she must promptly notify
the ______. - ✔✔Police
✔✔A non endorsed personal auto policy provides coverage in mexico. True or False? -
✔✔False
✔✔In california an auto insurer may cancel the policy by giving at least ____ days
notice for nonpayment of premium, and at least ____ days in all other cases. - ✔✔10 20
✔✔_________ coverage applies when the extended non owned coverage for a named
individual is used. - ✔✔Liability
✔✔The towing and labor endorsement limit applies per __________. - ✔✔Occurrence
✔✔The miscellaneous type vehicle endorsement is not intended to be used for
snowmobiles. True or False? - ✔✔True
✔✔The miscellaneous type vehicle endorsement amends the definition of covered auto
to include recreational type vehicles such as motor homes. True or False? - ✔✔True
✔✔The named non owner endorsement may be used to provide liabilty, _______
________, and _________ motorists coverages. - ✔✔Medical Payments and Uninsured
✔✔The type of insurance offered by most auto dealerships and lessors that insures for
the difference between what the insured owes on the vehicle and what the insurer says
the vehicles actual cash value is in the event of a loss is known as ___ insurance. -
✔✔GAP
✔✔Minimum financial responsibility requirements in california for auto insurance is
$15,000 per person for BI, $30,000 per accident for BI, and $_____ per accident for PD.
- ✔✔$5,000
✔✔Any broker-agent licensed to transact auto insurance in california and certified by
the manager, may submit applications to the california automobile assigned risk plan.
True or False? - ✔✔True
✔✔Any person who qualifies for a good driver discount policy will be charged at a rate
at least ____% below the rate an insured would otherwise be charged for the same
coverage. - ✔✔20
